Best Cheap Car Insurance Companies for High-Risk Drivers in Arizona

Insurance companies believe high-risk drivers are more likely to be involved in accidents, leading them to file more claims. As a result, they often pay more for car insurance compared to drivers with clean records. You can find a policy with an affordable premium by comparing high-risk car insurance quotes.

In Arizona, high-risk drivers can find the best and the cheapest car insurance with GEICO. The policy for high-risk drivers costs $1,181 per year on average. The company also received the best rating overall on MoneyGeek’s scoring system, making it Arizona’s top high-risk auto insurance company.

High-risk drivers have been convicted of a DUI, been in multiple accidents they were at fault for, have broken multiple traffic rules or had their license revoked or suspended. Drag racers, owners of sports cars, young and inexperienced drivers are also high-risk drivers.

Your car insurance premium is influenced by your driving record. For instance, high-risk car insurance in Arizona costs around 26% more than with a clean or low-risk record.

High-risk drivers pay more for car insurance since accidents are more likely to happen, and that means more claims for the insurance company to cover, increasing their costs.

In Arizona, GEICO offers the most affordable high-risk car insurance, with an average premium of $1,181 per year. MoneyGeek’s GEICO car insurance review talks about the coverages, discounts and services that you can get with your policy.

High-risk drivers can find the best car insurance from GEICO, followed by American Family. MoneyGeek ranked these companies based on their cost, stability, claims satisfaction and customer service. Both of these companies are affordable — with an average annual premium of $1,181 — but GEICO ranked higher for financial stability.

Drivers with a DUI can find the most affordable car insurance in Arizona from American Family. The average rate of high-risk car insurance with a DUI from this company is $1,181 per year. MoneyGeek dives deeper into the advantages and disadvantages in our American Family car insurance review.

USAA is often an affordable option with a DUI, but only if you’re a member of the military. Veterans, active members of the military and their eligible family members can purchase USAA car insurance.

GEICO is the cheapest option for teenage drivers who are looking for car insurance in Arizona. The policy costs $2,750 per year on average. MoneyGeek’s GEICO car insurance review discusses why this company could be the top pick for teenagers. Take note, however, that rates for young drivers heavily depend on their age.

GEICO is the most affordable high-risk car insurance company in Arizona for drivers with bad credit. On average, the cost of car insurance for drivers with bad credit is $1,116 per year. Although a policy can be more expensive for those with bad credit, drivers can take advantage of discounts to lower their premiums.

In our GEICO car insurance review, we include the different unique discounts offered by GEICO. Knowing more about its discounts and coverages can help you save money.

Because high-risk drivers may make more claims than drivers with clean records, they pay a higher premium. The difference between car insurance rates for drivers with a clean history and high-risk drivers in Arizona is around $444 per year or roughly a 26% increase.

In Arizona, the average cost of car insurance for drivers with clean records is $1,224 per year. Drivers with a high-risk classification pay an average of $1,668 per year for car insurance.

MoneyGeek’s Arizona car insurance calculator can estimate your premium. Based on your needs, profile and preferences, you can adjust factors that affect the cost of your policy — knowing how these factors can impact your premium helps when getting high-risk car insurance quotes.

Car insurance companies can choose whether to give you coverage or not — remember that insurance is a voluntary market, and these companies are not required to give a policy to everyone.

If you are denied coverage or having a hard time getting a policy, the auto insurance residual market is your last resort. To ensure that everyone can be covered by a car insurance policy, multiple car insurance companies share the risk of insuring high-risk drivers. The Automobile Insurance Plan Service Office (AIPSO) is a non-profit that manages the residual market.

The Arizona Automobile Insurance Plan offers car insurance to qualified individuals who need it but can't get it on the voluntary market. Insurers across Arizona all share the risk of giving car insurance to these drivers.

Arizona is a member of the Western Association of Automobile Insurance Plans (WAAIP), a processing center for drivers who are having problems getting insurance. WAAIP connects these drivers with an insurance company that can give them coverage.

MoneyGeek compiled frequently asked questions about high-risk car insurance in Arizona to help you understand more about it, where to get the best coverage and how much it may cost.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.